SFSTSOUTHERN FIRST BANCSHARES INC(SFST)Stock Analysis

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SEC EDGAR: CIK 1090009SFST stock profile & AI dashboard →

13F Pro Quality Score

62.7/100

Rank #693 of 2,961 stocksTOP 25%

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

82.7/100

Profitability

92.4/100

Balance Sheet

40.8/100

Earnings Quality

36.7/100

Free Cash Flow

83.7/100

Institutional Flow

95.5/100

Revenue Scale

19.3/100

Dilution Risk

5.5/100
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SFST Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for SOUTHERN FIRST BANCSHARES INC (SFST), a Financials sector company. 13F Pro's AI-powered ranking engine scores SFST at 62.7/100 on a 32-signal composite quality model, placing it at rank #693 of 2,961 stocks — the top 25% of the AI-ranked universe. SFST scores in the top quartile across institutional flow (95.5), profitability (92.4), free cash flow (83.7). Areas of concern include revenue scale (19.3) and earnings quality (36.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 5.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), SOUTHERN FIRST BANCSHARES INC reports quarterly revenue of $35.9M, net income of $11.2M, an operating margin of 40.3%. Top institutional holders of SFST by reported 13-F value include FJ Capital Management, T. Rowe Price Investment Management, BlackRock, based on the most recent SEC filings. SFST trades on the Nasdaq exchange and files with the SEC under CIK 1090009. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SFST daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SOUTHERN FIRST BANCSHARES INC directly from SEC EDGAR. SOUTHERN FIRST BANCSHARES INC's 13F Pro composite quality score has ranged between 50 and 63 since 2026, currently 62.7 — an improving long-term trajectory across 48 quarterly and live scoring snapshots.

Fun facts about SOUTHERN FIRST BANCSHARES INC

Quirks, history, and lore behind SFST — the kind of stuff that makes a stock memorable.

  • 1
    The Basics
    A U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in South Carolina.
  • 2
    The Numbers
    Total assets in the range of roughly $2 billion, serving a customer base built almost entirely on commercial and private banking relationships — not mass retail.
  • 3
    The History
    Founded in the late 1990s, it grew steadily by planting banking offices across the Carolinas and Georgia, one relationship at a time.
  • 4
    The Secret
    Its business model leans heavily on private banking for professionals and entrepreneurs — think doctors, lawyers, and business owners who want a banker who actually picks up the phone.
  • 5
    The Lore
    Despite its modest size, it has expanded beyond its Upstate South Carolina roots into major metro markets, punching well above its weight for a community institution.
  • 6
    The Giveaway
    Its name literally tells you everything: it's a bancshares company built for the American South, and it proudly puts the word "First" right in the middle.
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Revenue

Q2 2026

$35.9M

Net Income

Q2 2026

$11.2M

Free Cash Flow

Q2 2026

$16.7M

Operating Margin

Q2 2026

40.3%

ROIC

Q2 2026

12.8%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+26.5% YoY
$118.1MFY 2025
FY22 $107.2MFY23 $87.5MFY24 $93.4MFY25 $118.1M

Net Income

+95.5% YoY
$30.4MFY 2025
FY22 $29.1MFY23 $13.4MFY24 $15.5MFY25 $30.4M

EPS (Diluted)

+94.8% YoY
$3.72FY 2025
FY22 $3.61FY23 $1.66FY24 $1.91FY25 $3.72

Total Assets

+7.7% YoY
$4.40BFY 2025
FY22 $3.69BFY23 $4.06BFY24 $4.09BFY25 $4.40B

Op. Cash Flow

+19.2% YoY
$30.5MFY 2025
FY22 $50.3MFY23 $17.7MFY24 $25.6MFY25 $30.5M

Free Cash Flow

+20.6% YoY
$29.9MFY 2025
FY22 $36.4MFY23 $16.4MFY24 $24.8MFY25 $29.9M

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Available Research

13F Pro tracks comprehensive data for SOUTHERN FIRST BANCSHARES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

Companies Similar to SFST

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

BHRB

Burke & Herbert Financial Services Corp.

49
AI score
Very similar · 5 shared holders
USCB

USCB FINANCIAL HOLDINGS, INC.

50
AI score
Shared smart-money ownership · 8 shared holders
BFST

Business First Bancshares, Inc.

48
AI score
Similar quality profile · 6 shared holders
ISTR

Investar Holding Corp

64
AI score
Shared smart-money ownership · 9 shared holders
CIVB

CIVISTA BANCSHARES, INC.

44
AI score
Similar quality profile · 6 shared holders
FVCB

FVCBankcorp, Inc.

54
AI score
Similar quality profile · 5 shared holders
BKU

BankUnited, Inc.

51
AI score
Similar quality profile · 11 shared holders
BCAL

California BanCorp \ CA

63
AI score
Similar quality profile · 8 shared holders

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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Is SFST a good stock to buy?

13F Pro's AI-powered analysis of SOUTHERN FIRST BANCSHARES INC (SFST) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SFST are available on the SFST stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. SFST is classified as a small company.

Which hedge funds own SFST?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SFST. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SOUTHERN FIRST BANCSHARES INC's investment landscape.